If I get a good keel shot, it's very rare when I can't put a medium or smaller ship down with one or two torps. I've never had to fire more than 2 on large freighters or cruise ships if one of the hits was under the keel. I've never had a ship break in half unless one of the hits was a keel and those are satisfying enough to try for. I've also never had a ship keep going for very long after a keel hit even if the damage from it wasn't enough to sink it outright.
-Pv-
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